There is no similarity whatsoever between Bitcoin and a bank. Mattresses to keep your money under are more similar to traditional banks than Bitcoin is.
You proposed using bitcoin to replace your need for a bank. And nothing in the bitcoin world can do that. Bitcoin can't securely store your money with a guarantee that they won't be lost or significantly reduced in value beyond inflation, bitcoin can't give you a loan, bitcoin can barely help you securely transact.
It's someone else that proposed bitcoin. The mention of open source banking was a completely different idea, I think? I'm not sure why they put their comment beneath the bitcoin comment.